You may look on the web and read advice that you need to perform a hard reset and lose all the data on your phone – don’t believe them.  Try this first: Remove the back cover of the phone, take out the battery for a few seconds, say 10, put back the battery, close the […]

We have some new theories for defenses (partial or total) on American Express claims.  Please contact us for an evaluation.

There are about 17,000 nail salons in the United States. Nationally, 51% of the nail technicians are Vietnamese, and in some areas, like California, the percentage is much higher, perhaps 80%  The workers in these salons are especially vulnerable, because they are not fully assimilated into US culture. Even the salon owners are vulnerable because […]

Nissan is recalling almost 1 million 2013-2015 Nissan Altima sedans because the hood latch could fail, and the hood could fly up and block the driver’s view of the road while in motion.  This type of repeated recall can go a long way to making cars qualify for manufacturer’s buyback under the lemon laws of […]

Elkhart County, Indiana is the RV manufacturing capital of the United States. Elkhart county earned this reputation over the years by having a manufacturing base with skilled labor and a component supplier network located near the manufacturing hub. Most of the manufacturers in Elkhart county do good work and care about their customers. There are […]

Three of my NACA colleagues,  Jay S. Fleischman, Joshua R.I. Cohen, and Adam Minsky, who practice mostly related to stduent loans, hosted a live question and answer session this week. They recorded the session and posted it to Youtube. I have mixed feelings about student loan cases. On the one hand, with student loan debt […]

I got a call from a former student of Ivy Bridge College, a college that lost its accreditation and closed in 2013.  She is still being dunned for money.  Borrowers often have defenses to these loans, but the defenses are often situation-specific.  If you are being dunned for money on a loan for a college […]

Are you getting collection calls from GAFCO,  the Great American Finance Company?  This company, based out of Illinois, buys finance companies from furniture companies. After fielding a complaint from a caller, I checked online and the company has numerous complaints especially about its billing process and collection communications.  I’m exploring several theories concerning possible violations, […]

Yesterday the Supreme Court decided the case of Campbel-Ewald Co. vs. Gomez.  This is a case that consumer advocates were anticipating with some trepidation. At issue in the case was a tactic that corporate defendants regularly practice to “pick off” class actions and avoid class action liability. Corporations regularly make “Rule 68 Offers of Judgment” […]

Human Rights Watch just issued a detailed study on the Debt Buying Industry titled US: Courts Rubber Stamp Corporate Suits Against Poor.   They found the industry to be abusing court system.  Imagine that, go figure.  All kidding aside, the more publicity to this problem, the better, and Human Rights Watch deserves some credit for […]